No. Both are excluded from a standard renters policy. Earthquake coverage for a renter focuses on your personal property and, importantly, loss of use if the building becomes uninhabitable, which is often the larger exposure for a tenant. Flood is written separately through the federal program or a private carrier, with contents coverage as the relevant part for a renter. Because a renter does not insure the structure, the amounts involved are usually smaller than an owner’s, which also means the cost of adding them is usually smaller.
Related FAQs
Loss of use, also called additional living expense, is the part of a renters policy that addresses the extra cost of living elsewhere after a covered loss: a hotel ...
Often yes, subject to your policy’s terms and limits. We can explain how off-premises coverage typically works.
Usually yes. A roommate’s policy typically does not cover your belongings or your liability, so your own policy is often the safer choice.
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